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Can I not just pay a one-time charge to get my credit score?
January 13th, 2009 - Posted by Joe
The following post in our Reader Question series is an actual user submitted question. To maintain the integrity of the original question, we do not edit or change reader questions in any way.
Q: Can I not just pay a one-time charge to get my credit score? If so, how would I do this?
A: Yes. It is possible to purchase your credit score one time for a fee, although it is important to remember that your credit file is constantly changing. This means your credit score is always changing as well. As such, we recommend that consumers check their credit report and credit scores at least once per quarter and more frequently if you are actively shopping for a loan. We also reccomend that you receive your credit reports at the same time as your scores because the information on your credit report is what is used to determine your credit score in the first place.
It is also important to note that there is no one way to calculate a credit score. The FICO score is most commonly used by lenders and is the best score to purchase if you want to get an idea of how lenders view your credit file. You can buy all three of your FICO scores (one from each bureau) directly from myFICO (the company that creates FICO scores) with FICO Credit Complete. The cost is $47.85. This includes not just all three FICO scores, but also all three credit reports, an explanation of each credit score, and the FICO Simulator, which estimates what your FICO score would be if you took different actions such as paying down credit card debt.
If you only want to buy one credit score, you can get FICO Standard instead for $15.95. You can pick the bureau you want the score and report from and get all the other features of FICO Credit Complete, but just for the one bureau.
14 Responses to “Can I not just pay a one-time charge to get my credit score?”
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April 20th, 2010 at 3:20 pm
One should not have to pay to get one's credit score.
April 22nd, 2010 at 7:16 am
I just want my credit score not a membership and nothing free I will pay the 7.95.
October 4th, 2010 at 10:17 am
The law allows you to order one free copy of your report from each of the nationwide consumer reporting companies every 12 months.
Free annual credit reports are available through annualcreditreport.com, 1-877-322-8228, and Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.
You may order your reports from each of the three nationwide consumer reporting companies at the same time, or you can order your report from each of the companies one at a time.
January 6th, 2011 at 2:24 pm
I've yet to find one company that will sell you a one time credit score. They all want to screw you monthly!
January 12th, 2011 at 9:33 am
There was a time when I could pay for a one time credit report. That is all I want…….I already have a protection plan for theft through my credit card company……This business of wanting to monitor my credit all the time is a waste of my money! Makes me furious.
May 17th, 2011 at 1:53 pm
OMG! Ive been on my computer for an hour looking for a one time credit score! theres no such thing! How can they charge you too see your own information, especially monthly! what is this world coming too.
August 22nd, 2011 at 3:30 pm
Could not agree more. It's our score and they won't even do a one time charge. And they wonder why we hate banks and financial institutions. Give me a break.
October 18th, 2011 at 3:50 pm
It costs money to get water out of that basement. Buy a pump with the money you get from a short term loan.
November 5th, 2011 at 10:06 am
I think I will start contacting my congressman to see if I can get a low past to not only get a free credit report every year but also the FICO credit score. I just want to know what my credit score is one time so I can apply for credit with peace of mind. It is of no value to me to have to pay $180 per year for this information.
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